Debt recovery · Included in Complete
Keep the parties, outstanding amount and correspondence together. Prepare a payment reminder, a firmer demand or the next document in a disputed debt, without starting again each time.
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Explore the tools in Complete
Choose a letter stage, respond to incoming correspondence and keep a record of the outcome. You review and send each document.
Select England & Wales, Scotland or Northern Ireland, and whether the debtor is a company or an individual/sole trader. The appropriate letter depends on that context, the agreement and the correspondence—not just how overdue the invoice is.
First chase · 1 credit per generation
Ask for payment of an overdue balance, keeping the request clear and leaving room for the customer to identify a payment or dispute.
What you get: A friendly-but-firm reminder draft saved to the debt case.
Try payment reminder with Complete →Formal notice · 1 credit per generation
Prepare a formal demand when earlier contact has not resolved the balance. Review any interest, compensation, costs and response period against the actual facts.
What you get: A formal pre-action letter draft for review, not an automatic entitlement to extra charges.
Try letter before action with Complete →Before court · 1 credit per generation
Prepare the final pre-action correspondence supported by the case record before deciding whether to seek advice or bring proceedings.
What you get: A final letter-of-claim draft. It does not file a court claim or issue proceedings.
Try final letter of claim with Complete →Keep the same debt case through further correspondence or closure. Each separately generated letter uses a credit.
Incoming reply → response draft
Add the reply and explain what you accept, dispute or propose. A disputed invoice needs an answer to the actual points raised.
What you get: A response draft linked to the debt case, ready for your review and chosen delivery method.
Try respond to the debtor with Complete →Case administration
Record the amount actually recovered when settled, or mark the case handed to legal or written off.
What you get: An updated case record. Marking “handed to legal” records your action; it does not automatically instruct a solicitor.
Try record settlement or close the case with Complete →Working with debt recovery
Upload or paste the invoice, or enter the details. Check the extracted creditor, debtor, reference and outstanding amount before creating the case.
Prepare a payment reminder, Letter Before Action or final letter of claim. The tool drafts documents; it does not issue proceedings or recover money for you.
Read the detail →Identify who is owed money and whether the debtor is a company, sole trader or individual. If the invoice creditor differs from your profile, the workflow asks you to resolve that mismatch.
Add incoming correspondence and your position. Prepare the next response against what the debtor actually says, instead of treating a disputed invoice as an unanswered reminder.
Interest, compensation and deadlines depend on the facts and applicable rules. Check every proposed addition against the agreement and payment history; they are not a universal entitlement.
Save generated documents with the debt case. Review and download each draft, then retain evidence of any delivery or payment outside the system.
From your facts to your document
Check the original invoice, part payments, credits and any dispute. Supply the balance actually outstanding, not just the original invoice total.
Select the jurisdiction, debtor type and stage. Read the proposed letter against the case record and correct anything unsupported.
Download the document when ready. Send it by your chosen method and keep a record. Seek advice before court action or where the debt is contested.
Our published guides explain the questions that affect a debt letter. Read them alongside your records, not as a substitute for advice about a particular claim.
Your business. Your documents.
Add your business details and branding in your profile. Check the draft against the original information, make the changes you need, then download the document. You decide how to use it.
Almost Legal is AI drafting software for self-representation, not a law firm. It does not replace professional advice on a complex or high-stakes matter.
No. It helps prepare and organise debt correspondence. It is not a debt collection agency and does not guarantee payment.
Generating a draft does not send it or file proceedings. You review it and decide what action to take.
You can prepare a response using the correspondence and your position. A genuine dispute may need evidence, negotiation or professional advice rather than a stronger demand.
A generated debt document uses one credit. A chain of separate reminders or responses can use several credits. Case handling does not make every later document free.
One Complete subscription
Free access for 30 days. Your trial expires without an automatic subscription or charge. After it ends, choose whether to subscribe. If you subscribe afterward, Complete has an introductory rate of £49.99 + VAT/month for your first 3 paid months. Renewal terms are shown at signup. Cancel anytime.